Fee allocator system and method

ABSTRACT

A system is provided for automatically billing a designated account for fees associated with the costs of tickets and other similar services. Passenger Record Number data and similar data is provided through a Computerized Reservation System and an accounting system to a Fee Allocator program which automatically interprets the data, determines appropriate fees based on the data and a user profile, and bills the fees to an appropriate account based on the user profile. Billing data provided to the account also facilitates the process of reconciling the fees to the travel ticket costs. Enhanced descriptive billing statements can be created simplifying the process of reconciling fees to the travel ticket costs.

REFERENCE TO RELATED DOCUMENTS

This application is a continuation of, and claims priority to and thebenefit of, U.S. Ser. No. 11/767,907 filed on Jun. 25, 2007 and entitled“FEE ALLOCATOR SYSTEM AND METHOD.” The '907 application is a divisionalof and claims priority to U.S. Pat. No. 7,395,231 issued on Jul. 1, 2008(aka U.S. patent Ser. No. 09/904,965 filed on Jul. 13, 2001) andentitled “FEE ALLOCATOR SYSTEM AND METHOD.” The '231 patent claims thebenefit of, and priority to, U.S. Provisional Application Ser. No.60/218,445, filed Jul. 14, 2000. All of which are hereby incorporated byreference in their entirety.

BACKGROUND OF THE INVENTION

1. Technical Field

The present invention relates generally to transaction fees andtransaction card billing and, more particularly, to the creation of anautomated allocation tool that disburses travel related transaction feesto specific corporate cost centers, and provides an enhanced descriptivebilling statement separately identifying transaction fees and relatedtravel charges such that the purchaser can easily reconcile thetransaction fees to the related travel charges.

2. Background Information

Transaction fees are commonly provided to agents for value added by theagents when selling certain goods or services. Transaction fees are morecommon where an agent acts as a broker of products or serves as a“middle-man”. For example, ticket outlets often sell tickets for avariety of venues and events such as: sporting events, concerts, plays,etc. Generally, in addition to the cost of the entertainment, atransaction fee is additionally charged to reimburse the ticket brokerfor its services. Another example includes travel agencies which brokertravel-related services, wherein the travel-related services include,but are not limited to: assisting in providing tickets throughtraditional and interactive bookings for air/rail/boat/bus travel,providing paper tickets or e-tickets, canceling tickets, processingrefunds and exchanges on tickets, reserving rental cars, reserving hotelrooms, and providing other value-added services such as ticket tracking,emergency travel services, travelers cheques, group travel services,international rate desks, executive travel and concierge services. Inthis context, travel-related services are often grouped into two groups,namely, arranging services to be provided by others, and servicesprovided directly by the travel agency. Another example of a travelrelated service is the system disclosed in U.S. patent application Ser.No. 09/346,085 filed on Jul. 1, 1999 and entitled “Ticket Tracking AndRefunding System And Method”, which is hereby incorporated by reference.

In the past, travel agencies often did not charge a transaction feeassociated with the services provided by others. One of the reasons thattravel agencies were able to be profitable without charging fees forarranging services to be provided by others is that the airlines andother service providers typically offered overrides, commissions orincentives to reward the travel agency for the added business.

In addition to travel agencies, an in-house travel department may act asa travel agency within a corporation or business providing similarservices to people within their organization who have travel-relatedneeds. Alternatively, an in-house travel department may coordinatetravel issues with an outside travel agency. In either case, in-housetravel departments in the past similarly found that overrides andcommissions made it possible to operate the corporate travel departmentsas profit centers; thus eliminating the need to charge the individualdepartments or travelers within their organization for the costsassociated with making the travel arrangements.

Beginning in approximately 1995, airlines and other service providersmade substantial cuts in the commissions, incentives, and overridesmentioned above by reducing them in half, and in other instanceseliminating them entirely. Furthermore, with the increased use of netpricing and net/net pricing, travel agencies have found it exceedinglydifficult to be profitable without passing along the cost of arrangingtravel to the individual or corporate client. For the same reasons,in-house corporate travel departments have been converted from profitcenters to cost centers.

Travel agencies and in-house corporate travel departments often sharedthe commissions and overrides for each booking. Now that thesecommissions and overrides have been reduced or eliminated, corporatetravel department budgets are running negative and typically causing thecorporate travel departments to be in an accounts receivable status tothe travel agencies. Therefore, travel agencies now bear an increasedrisk of loss due to non-payment, increased interest expense due to delayin receiving the receivable amounts, and decreased cash flow. Theseproblems are further compounded where travel agencies have quarterlysettlement with their corporate clients. For these reasons, it hasrecently become common practice to charge fees for arranging servicesprovided by others to the client. This is a time consuming manualprocess for travel agencies who may have to reconcile and pass alongthese fees. It may also be confusing to individual travelers who travelinfrequently. A traveler who only flies occasionally might receive acredit card statement reflecting a single charge for an airline ticket,and a second charge elsewhere on the statement reflecting the fee owedto the travel agency. The situation becomes much more complicated,however, when a single individual travels frequently and makes use ofmany different services by a travel agency. In this situation, thefrequent traveler may find it increasingly difficult to match the feeswith the related airline flight or other services.

Charging the ticket to a credit card often makes payment for the priceof a ticket, although other means are also used such as checks or cash.Typically, the same payment instrument is used to pay for the feesaccompanying the ticket charges. In particular, corporate credit cardsand personal credit cards are frequently used to pay for tickets andrelated fees. One of the reasons for the difficulty in reconciling theservice fees to the travel ticket charges is the lack of informationtypically provided on credit card billing statements and other billingstatements used for corporate card accounts. Typically, the onlyinformation provided is the establishment name (e.g., the travelagency's name) and the total transaction fee (e.g., the fee associatedwith booking the airline flight). Furthermore, the date of thetransaction may be provided; however, the date of the ticket purchasemay be different from the date that the service fee is charged. In oneexample, the charge for the airline ticket may appear on one month'sbill and the charge for the service fee could occur in the subsequentbilling cycle if the cycle closes between the postings of these twocharges. Adding to this difficulty of reconciling the service fee to theticket charge is the fact that the service fee may have an establishmentname related to the travel agency, but the ticket charge is likely tohave an establishment name related to the airline.

The confusion in reconciling the fees to the tickets is often compoundedin a corporate environment where multiple business travelers takemultiple flights in any given month. In these cases, and particularlygiven the transformation of in-house corporate travel departments tocost centers, the in-house travel departments may want to pass along thefees to the appropriate departments within their company. In addition,these fees are often passed along within the company to the clientsbeing served by the business. For example, an attorney's client may haveagreed to pay for travel-related expenses. In these situations, it isimportant that the appropriate airline charges and the appropriate feesassociated with those charges be accurately reconciled and forwarded tothe appropriate department or corporate client. This has been adifficult task for corporate travel departments in some instancesbecause, under the past system, a travel agent might manually collectall the fees owed by one corporate entity and forward a monthly lump sumbalance owed by the corporation.

A significant amount of travel counselor intervention is often requiredto address the aforementioned issues. A travel counselor can manuallyinput information to identify the fee with the appropriate airlineticket purchase. Regardless of whether this manual process occurs in thetravel agency or in an in-house corporate travel department, there is anincreased human error potential and a reduction in the travelconsultant's productivity corresponding to the time spent performingthis manual transaction.

Other billing products such as EasyFEE by Automated Travel Systems andARC MCOs have been developed to address these issues. However, theseproducts do not offer enhanced descriptive billing statements, andtherefore the travel agencies/credit card companies receive calls fromtravelers requesting additional information to help them understand,validate, and reconcile their fees. Furthermore, fee systems such asATS, EasyFEE, and ARCMCO lack the following or have the followingdeficiencies:

(1) they generally require manual travel counselor interventionresulting in poor time efficiency and increased error possibilities;

(2) they provide little to no descriptive bill detail resulting inincreased traveler confusion trying to understand their fees and expensethem;

(3) they are not able to automatically charge fees for value ads,special services, or non-air transactions and pass the cost for theseservices to the traveler;

(4) they do not have the flexibility to automatically charge only oneflat fee for several bookings related to one trip because they have nouser profile to work from; and

(5) they do not automatically allow the fee to be charged to analternate or a split form of payment because they have to bill throughthe airline.

Therefore, a need exists for billing with enhanced description forfacilitating the reconciliation of the fees to the associated travelexpenses. A need also exists for billing that avoids manually breakingout and reconciling transaction fees, and improves travel counselorefficiency. A need also exists to create a system that avoids theproblems of lump billing transaction fees. There also exists a need toreplace the revenue, which has been lost, as commissions have beenreduced. There further exists a need to directly, systematically, andautomatically bill the fees and ticket charges to the appropriateentities. There further exists a need for a system that provides amethod for encouraging preferred buying practices such as paperlesstickets,

SUMMARY OF THE INVENTION

The present invention provides a system for automatically billing adesignated account for fees associated with the costs of tickets andother similar services. Passenger Name Record data and similar data isprovided through a Computerized Reservation System and an accountingsystem to a Fee Allocator program which interprets the data, determinesappropriate fees based on the data and a user profile, and bills thefees to an appropriate account based on the user profile. Billing dataprovided to the account also facilitates the process of reconciling thefees to the travel ticket costs. Enhanced descriptive billing statementscan be created simplifying the process of reconciling fees to the travelticket costs.

BRIEF DESCRIPTION OF THE DRAWINGS

The subject invention will hereinafter be described in conjunction withthe appended drawing figures, wherein like numerals denote likeelements, and:

FIG. 1 is a schematic representation of an exemplary embodiment of thepresent invention;

FIG. 2 is a block diagram showing an exemplary embodiment of the presentinvention; and

FIG. 3-6 are exemplary billing statements for various industries andtraveler needs;

FIG. 7-8 are detailed block diagrams showing exemplary embodiments ofthe present invention; and

FIG. 9 is a block diagram showing an exemplary embodiment of the presentinvention.

DETAILED DESCRIPTION OF EXEMPLARY EMBODIMENTS

The system may include a host server or other computing systemsincluding a processor for processing digital data, a memory coupled tosaid processor for storing digital data, an input digitizer coupled tothe processor for inputting digital data, an application program storedin said memory and accessible by said processor for directing processingof digital data by said processor, a display coupled to the processorand memory for displaying information derived from digital dataprocessed by said processor and a plurality of databases, said databasesincluding client data, merchant data, financial institution data and/orlike data that could be used in association with the present invention.Database may be any type of database, such as relational, hierarchical,object-oriented, and/or the like. Common database products that may beused to implement databases include DB2 by IBM (White Plains, N.Y.), anyof the database products available from Oracle Corporation (RedwoodShores, Calif.), Microsoft Access by Microsoft Corporation (Redmond,Wash.), MS SQL Sequel Server database on a Windows NT platform, or anyother database product. The database may be organized in any suitablemanner, including as data tables or lookup tables.

Association of certain data may be accomplished through any dataassociation technique known and practiced in the art. For example, theassociation may be accomplished either manually or automatically.Automatic association techniques may include, for example, a databasesearch, a database merge, GREP, AGREP, SQL, and/or the like. Theassociation step may be accomplished by a database merge function, forexample, using a “key field” in each of the manufacturer and retailerdata tables. A “key field” partitions the database according to thehigh-level class of objects defined by the key field. For example, acertain class may be designated as a key field in both the first datatable and the second data table, and the two data tables may then bemerged on the basis of the class data in the key field. In thisembodiment, the data corresponding to the key field in each of themerged data tables is preferably the same. However, data tables havingsimilar, though not identical, data in the key fields may also be mergedby using AGREP, for example.

The present invention may be described herein in terms of functionalblock components, screen shots, optional selections and variousprocessing steps. It should be appreciated that such functional blocksmay be realized by any number of hardware and/or software componentsconfigured to perform the specified functions. For example, the presentinvention may employ various integrated circuit components, e.g., memoryelements, processing elements, logic elements, look-up tables, and thelike, which may carry out a variety of functions under the control ofone or more microprocessors or other control devices. Similarly, thesoftware elements of the present invention may be implemented with anyprogramming or scripting language such as C, C++, Java, COBOL,assembler, PERL, eXtensible Markup Language (XML), with the variousalgorithms being implemented with any combination of data structures,objects, processes, routines or other programming elements. Further, itshould be noted that the present invention may employ any number ofconventional techniques for data transmission, signaling, dataprocessing, network control, and the like. Still further, the inventioncould be used to detect or prevent security issues with a client-sidescripting language, such as JavaScript, VBScript or the like. For abasic introduction of cryptography, please review a text written byBruce Schneider which is entitled “Applied Cryptography: Protocols,Algorithms, And Source Code In C,” published by John Wiley & Sons(second edition, 1996), which is hereby incorporated by reference.

It should be appreciated that the particular implementations shown anddescribed herein are illustrative of the invention and its best mode andare not intended to otherwise limit the scope of the present inventionin any way. Indeed, for the sake of brevity, conventional datanetworking, application development and other functional aspects of thesystems (and components of the individual operating components of thesystems) may not be described in detail herein. Furthermore, theconnecting lines shown in the various figures contained herein areintended to represent exemplary functional relationships and/or physicalcouplings between the various elements. It should be noted that manyalternative or additional functional relationships or physicalconnections may be present in a practical electronic transaction system.

It will be appreciated, that many applications of the present inventioncould be formulated. One skilled in the art will appreciate that thenetwork may include any system for exchanging data or transactingbusiness, such as the Internet, an intranet, an extranet, WAN, LAN,satellite communications, and/or the like. It is noted that the networkmay be implemented as other types of networks, such as an interactivetelevision (ITV) network. The users may interact with the system via anyinput device such as a keyboard, mouse, kiosk, personal digitalassistant, handheld computer (e.g., Palm Pilot®), cellular phone and/orthe like. Similarly, the invention could be used in conjunction with anytype of personal computer, network computer, workstation, minicomputer,mainframe, or the like running any operating system such as any versionof Windows, Windows NT, Windows 2000, Windows 98, Windows 95, MacOS,OS/2, BeOS, Linux, UNIX, or the like. Moreover, although the inventionis described as being implemented with TCP/IP communications protocols,it will be readily understood that the invention could also beimplemented using IPX, Appletalk, IP-6, NetBIOS, OSI or any number ofexisting or future protocols. Moreover, the system contemplates the use,sale or distribution of any goods, services or information over anynetwork having similar functionality described herein.

The computing units may be connected with each other via a datacommunication network. The network may be a public network and assumedto be insecure and open to eavesdroppers. In the illustratedimplementation, the network may be embodied as the Internet. In thiscontext, the computers may or may not be connected to the Internet atall times. For instance, a computer may employ a modem to occasionallyconnect to the Internet, whereas other computers might maintain apermanent connection to the Internet. Specific information related tothe protocols, standards, and application software utilized inconnection with the Internet may not be discussed herein. For furtherinformation regarding such details, see, for example, Dilip Naik,Internet Standards and Protocols (1998); Java 2 Complete, variousauthors, (Sybex 1999); Deborah Ray and Eric Ray, Mastering HTML 4.0(1997). Loshin, TCP/IP Clearly Explained (1997). All of these texts arehereby incorporated by reference.

The various systems and servers may be suitably coupled to a network viadata links. A variety of conventional communications media and protocolsmay be used for data links. Such as, for example, a connection to anInternet Service Provider (ISP) over the local loop as is typically usedin connection with standard modem communication, cable modem, Dishnetworks, ISDN, Digital Subscriber Line (DSL), or various wirelesscommunication methods. Computing systems might also reside within alocal area network (LAN), which interfaces to a network via a leasedline (T1, D3, etc.). Such communication methods are well known in theart, and are covered in a variety of standard texts. See, e.g., GilbertHeld, Understanding Data Communications (1996), hereby incorporated byreference,

As will be appreciated by one of ordinary skill in the art, the presentinvention may be embodied as a method, a data processing system, adevice for data processing, and/or a computer program product.Accordingly, the present invention may take the form of an entirelysoftware embodiment, an entirely hardware embodiment, or an embodimentcombining aspects of both software and hardware. Furthermore, thepresent invention may take the form of a computer program product on acomputer-readable storage medium having computer-readable program codemeans embodied in the storage medium. Any suitable computer-readablestorage medium may be utilized, including hard disks, CD-ROM, opticalstorage devices, magnetic storage devices, and/or the like.

Communication between the parties to the transaction and the system ofthe present invention is accomplished through any suitable communicationmeans, such as, for example, a telephone network, Intranet, Internet,point of interaction device (point of sale device, personal digitalassistant, cellular phone, kiosk, etc.), online communications, off-linecommunications, wireless communications, and/or, the like. One skilledin the art will also appreciate that, for security reasons, anydatabases, systems, or components of the present invention may consistof any combination of databases or components at a single location or atmultiple locations, wherein each database or system includes any ofvarious suitable security features, such as firewalls, access codes,encryption, de-encryption, compression, decompression, and/or the like.

The present invention is described herein with reference to screenshots, block diagrams and flowchart illustrations of methods, apparatus(e.g., systems), and computer program products according to variousaspects of the invention. It will be understood that each functionalblock of the block diagrams and the flowchart illustrations, andcombinations of functional blocks in the block diagrams and flowchartillustrations, respectively, can be implemented by computer programinstructions. These computer program instructions may be loaded onto ageneral purpose computer, special purpose computer, or otherprogrammable data processing apparatus to produce a machine, such thatthe instructions, which execute on the computer or other programmabledata processing apparatus create means for implementing the functionsspecified in the flowchart block or blocks.

These computer program instructions may also be stored in acomputer-readable memory that can direct a computer or otherprogrammable data processing apparatus to function in a particularmanner, such that the instructions stored in the computer-readablememory produce an article of manufacture including instruction meanswhich implement the function specified in the flowchart block or blocks.The computer program instructions may also be loaded onto a computer orother programmable data processing apparatus to cause a series ofoperational steps to be performed on the computer or other programmableapparatus to produce a computer-implemented process such that theinstructions which execute on the computer or other programmableapparatus provide steps for implementing the functions specified in theflowchart block or blocks.

Accordingly, functional blocks of the block diagrams and flowchartillustrations support combinations of means for performing the specifiedfunctions, combinations of steps for performing the specified functions,and program instruction means for performing the specified functions. Itwill also be understood that each functional block of the block diagramsand flowchart illustrations, and combinations of functional blocks inthe block diagrams and flowchart illustrations, can be implemented byeither special purpose hardware-based computer systems which perform thespecified functions or steps, or suitable combinations of specialpurpose hardware and computer instructions.

With reference to FIG. 1, the present invention includes a feeallocation system 100. In an exemplary embodiment, fee allocation system100 comprises a facilitating entity 110 which is any software and/orhardware suitably configured to facilitate purchases by a purchasingentity 120 of goods or services (“items”) from merchant entity 130.Purchases made by purchasing entity 120 may be charged to an accountprovided by credit entity 140. A processing system 150 is associatedwith fee allocation system 100 and is any hardware and/or softwaresuitably configured for, among other things, automatically disbursingtransaction fees to specific cost centers, facilitating enhanceddescriptive billing statements, and reconciliation of transaction feesto travel related expenses as further described herein.

One skilled in the art of the financial service industry will appreciatethat “account” as used herein, includes any device, code, or otheridentifier/indicia suitably configured to allow the consumer to interactor communicate with the system, such as, for example,authorization/access code, personal identification number (PIN),Internet code, other identification code, and/or the like which isoptionally located on a rewards card, charge card, credit card, debitcard, prepaid card, telephone card, smart card, magnetic stripe card,bar code card, and/or the like. The account number may be distributedand stored in any form of plastic, electronic, magnetic, and/or opticaldevice capable of transmitting or downloading data from itself to asecond device. A customer account number may be, for example, asixteen-digit credit card number, although each credit provider has itsown numbering system, such as the fifteen-digit numbering system used byAmerican Express. Each company's credit card numbers comply with thatcompany's standardized format such that the company using asixteen-digit format will generally use four spaced sets of numbers, asrepresented by the number “0000 0000 0000 0000”. The first five to sevendigits are reserved for processing purposes and identify the issuingbank, card type and etc. In this example, the last sixteenth digit isused as a sum check for the sixteen-digit number. The intermediaryeight-to-ten digits are used to uniquely identify the customer.

Although facilitating entity 110 is described in one exemplaryembodiment of the present invention as a travel agency, facilitatingentity 110 may alternatively be any embodiment where facilitating entity110 assists purchasers in acquiring, purchasing, or using goods orservices provided by merchants 130. For example, alternative embodimentsof facilitating entity 110 may include Internet and e-commerce basedon-line travel agencies, hotel type concierge services, ticket brokersfor entertainment venues, virtual travel agents, or similar entities.Furthermore, facilitating entity 110 could be a part of merchant entity130, such as an airline offering travel agent type services directly toits customers. Alternatively, facilitating entity 110 may be associatedwith purchasing entity 120, such as when a corporation or organizationhas one or more in-house travel departments that facilitate travelarrangements directly with merchants 130 on behalf of employees of thatorganization or corporation.

Purchasing entity 120, in an exemplary embodiment of the presentinvention, may represent a person, business, organization, corporationor other entity or any software and/or hardware 122. Organization 122may include individuals 124 which may be within further subdivisions ordepartments 126 of business 122. Alternatively, purchasing entity 120may represent a single individual or a group of individuals 124. In anexemplary embodiment, individual 124 desires travel related services andmay either contact facilitating entity 110 directly, or may contactfacilitating entity 110 through organization 122 or subdivision 126 toarrange the desired travel related services.

Merchant entity 130, in an exemplary embodiment, represents an airlineselling travel related services. However, merchant 130 may alternativelybe any type of travel related merchant entity providing travel servicessuch as: rail services, bus services, car rental services, hotelreservations, traveler checks and/or the like. Furthermore, merchantentity 130 may provide other value added services such as emergencytravel services, international rate desk, and executive travel andconcierge services such as, for example, similar services provided byAmerican Express®. Merchant entity 130 charges purchasing entity 120 thecost of the goods or services acquired through this transaction. Thiscost may be charged directly to purchasing entity 120. In anotherembodiment, this cost may be charged to purchasing entity 120 via acredit account with credit entity 140. Merchant entity 130 may alsoprovide exchanges, rebates, frequent flier miles, refunds, and creditsto purchasing entity 120, some of which may be offered through creditentity 140 or facilitating entity 110. Merchant entity 130 may alsoprovide non-travel related services or goods of any type or nature; forexample, tickets to sporting and other entertainment venues.Furthermore, merchant entity 130 could be a typical bricks and mortartype merchant or, alternatively, may be an on-line e-commerce typemerchant, or may advertise and provide goods and services through anyother commonly known mediums.

For more information on transaction systems, electronic commercesystems, digital wallet systems and loyalty systems, see, for example,the Shop AMEX™ system as disclosed in Ser. No. 60/230,190 filed Sep. 5,2000; the MR as Currency™ and Loyalty Rewards Systems as disclosed inSer. No. 60/197,296 filed on Apr. 14, 2000, Ser. No. 60/200,492 fliedApr. 28, 2000, and Ser. No. 60/201,114 filed May 2, 2000; a digitalwallet system as disclosed in U.S. Ser. No. 09/652,899 filed Aug. 31,2000; a stored value card as disclosed in Ser. No. 09/241,188 filed onFeb. 1, 1999; a system for facilitating transactions using secondarytransaction numbers as disclosed in Ser. No. 09/800,461 filed on Mar. 7,2001; and also in related provisional application Ser. No. 60/187,620filed Mar. 7, 2000, Ser. No. 60/200,625 filed Apr. 28, 2000, and Ser.No. 60/213,323 filed May 22, 2000, the general technology of allreferences is hereby incorporated by reference. Other examples of onlinemembership reward systems are disclosed in U.S. Pat. No. 5,774,870,issued on Jun. 30, 1998, and U.S. Pat. No. 6,009,412, issued on Dec. 29,1999, along with other incentive award programs described in U.S. Pat.Nos. 5,774,870 and 6,009,412, issued to Thomas W. Storey and assigned toNetcentives, the general functionality of all references is herebyincorporated by reference. Additional information relating to smart cardand smart card reader payment technology is disclosed in Ser. No.60/232,040, filed on Sep. 12, 2000, and U.S. Pat. Nos. 5,742,845;5,898,838 and 5,905,908, owned by Datascape; the general technology ofall references is hereby incorporated by reference. Information onpoint-of-sale systems and the exploitation of point-of-safe data isdisclosed in U.S. Pat. No. 5,832,457, issued on Nov. 3, 1998 to O'Brienet al., the general technology of which is hereby incorporated byreference.

Although credit entity 140 is described in an exemplary embodiment ofthe present invention as American Express Credit Services®, creditentity 140 may represent any bank, credit card provider, or otherlending institution. Credit entity may be any organization, individual,entity, software and/or hardware suitably configured for providing abilling mechanism whereby purchasing entity 120 may compensate merchantentity 130 and/or facilitating entity 110 for facilitating delivery ofgoods or services from merchant entity 130. It is further understoodthat credit entity 140 may be an independent entity unrelated to thefacilitating entity, the purchasing entity, or the merchant entity.Credit entity 140 may also be, in further exemplary embodiments,associated with one or more of these entities. For example, AmericanExpress is in the business of providing both travel services as afacilitating entity 110 and credit services as a credit providing entity140. In other embodiments, a merchant entity 130 may offer creditservices, and in further embodiments purchasing entities may have creditproviding divisions within their own organizations 122.

Processing system 150 typically comprises any software and/or hardwaresuitably configured for enabling the process steps of the presentinvention as described herein. Processing system 150 may exist in onephysical location or, alternatively, may be disbursed in severallocations physically. Furthermore, processing system 150 may existindependently of facilitating entity 110 and credit entity 140 or may bedistributed as part of or all of facilitating entity 110, credit entity140, and processing system 150.

In one embodiment of the present invention, facilitating entity 110 isconfigured to operate within the fee allocator system 100 by installingsoftware on a computer located at facilitating entity 110 or byinstalling or updating software and/or hardware at remote locations thatare associated with facilitating entity 110. This software may includefee allocator scripts or other files used to update existing software.One or more of processing system 150, credit entity 140, andfacilitating entity 110 may be pre-configured with information for thefee allocator program.

In an exemplary embodiment, an itinerary in a reservation system may beassociated with a set of rules that should be followed. For example, atraveler may be associated with a rule that states that the flight canbe rescheduled as long as the arrival time is within, e.g., 60 minutesof the booked flight. Additionally, a rule may state that the traveleris willing to travel from or to a variety of airports (in a city withmultiple airports, such as New York). Thereafter, each flight itineraryof that traveler may be associated with the traveler's rules. In thealternative, each traveler may be associated with a rule set by theiremployer. Another alternative allows each itinerary to have a set ofrules that is set at the time that arrangements are established. Severalof the above examples may be combined with each other. For example, atraveler may have a personal set of rules as well as rules set by hisemployer. In another embodiment, a traveler may have a general set ofrules, but may be able to augment or change those rules at the time ofplacing each specific flight.

One method of associating rules with a traveler is to use an extensionof the typical “member profile.” A traveler typically completes a memberprofile in which he indicates his preference for, e.g., a window seat oran aisle seat. Such a profile may be extended to include information asto the traveler's rules. In addition, an organization may have anorganization profile, which indicates, e.g., a policy, which does notallow First Class travel. The organization profile may be extended tocontain rules that are associated with the organization as a whole.

A user profile may be established for each purchasing entity 120, whichmay contain information such as: billing preferences, fees or feeformulas for reimbursing facilitating entity 110, information regardingaccounts to which fees are to be charged, and information regarding howfrequently fees are billed to purchasing entity 120. For example, theuser profile may indicate which credit card and account number is to beused for billing the fees. Other preferences can also be included in theuser profile such as ‘agreed to fee rates’ for specified services andprohibitions on using paper tickets.

Information in the user profiles may designate where certain fees shouldbe charged. For example, fees charged for arranging an airplane ticketmay be charged to the same account as was used to pay for the airplaneticket. In another embodiment, those fees may be routed to a differentaccount than the one used to pay for the airplane ticket. As anotherexample, a corporation may wish to have all fees billed to a particularaccount, to a particular department, or to designated client/projectaccounts. Furthermore, processing system 150 can redirect fees to creditentities such as American Express, VISA, MasterCard, or other suchfinancial accounts or transaction cards. This flexibility allows thepurchasing entity to predetermine how they would like to be billed. Theuser profile may also specify whether individual fees are charged foreach service or whether one fee is to be charged for all servicesassociated with a particular trip. Use of the fee allocator system alsoallows purchasing entity 120 to avoid the manual time consuming effortsinvolved in reconciling these fees, and opportunity for human error isreduced.

Purchasing entity 120 may agree to a periodic fee billing method, and tothe amount of the fees or to a formula for calculating fees owed. In oneembodiment of the present invention, the fees may be downloaded from afacilitating entity's accounting system to a fee allocator program on adaily basis where the fees are processed and then transmitted to creditentity 140. In an alternative embodiment, one or more of the steps ofdownloading, processing and transmitting may occur on a more frequent orless frequent basis as desired.

Fees may be calculated or established in a variety of ways. For example,facilitating entity 110 may charge a set fee for each item transaction(for services provided or goods delivered). Alternatively, fees chargedby facilitating entity 110 may vary. Fees may vary by depending on thetypes of goods or services, may vary based upon or proportional to theprice of the goods or services offered by merchant entity 130, orfacilitating entity 110 may establish other formulas for calculatingfees. Fees may be established to influence preferred purchasing entitybehavior. Furthermore, facilitating entity 110 may wish to set fees toachieve certain goals and receive incentives from merchant entity 130.Fees may also be established to compensate for operating costs andprofits needed by facilitating entity 110. For more information on feecharging systems, see, for example, U.S. Pat. No. 4,970,655, Automaticfee collecting and receipt dispensing system; U.S. Pat. No. 5,634,012,System for controlling the distribution and use of digital works havinga fee reporting mechanism; and U.S. Pat. No. 5,987,429, Computer-basedfee processing for electronic commerce, the general functionality andtechnology of which is hereby incorporated by reference.

In one embodiment, an additional fee may be charged to purchasing entity120 for use of the fee allocator system. This fee may be structured toencourage preferred behavior. Alternatively, because fee allocatorsystem 100 provides many benefits to a facilitating entity 110,facilitating entity 110 may provide the fee allocator system benefits topurchasing entity 120 free of charge. Benefits include the possibilityof directing more traffic to a particular credit entity 140. Forexample, credit entity 140 may wish to encourage facilitating entity 110to use fee allocating system 100 to in order to direct more business tocredit entity 140. Furthermore, facilitating entity 110 can influencespending habits of purchasing entity 120 by varying the fees charged toencourage desired behavior, thus the facilitator may, for example,charge less for preferred behavior and more for undesirable behavior.Undesirable behavior may include use of paper tickets, information onlycalls, ticket copy requests, etc. Desirable behavior (e.g., charginglower fees for interactive bookings, e-tickets) results in increasedtravel policy compliance, which results in more efficient spending forcompany travel. Facilitating entity 110 also benefits from the abilityto automatically charge fees to a credit card type account as opposed tobilling a client and waiting for the client to send the money. Theautomatic ability to direct the appropriate fees to the appropriatecharge accounts can reduce the chance of human error by facilitatingentity 110 in preparation of billing statements, and also improvestravel consultant efficiency because the travel consultant does not haveto spend the time manually entering or manipulating these fees. Theability to charge the fees to an account can improve cash flow andshifts the risks of loss to the accounts.

FIG. 9 shows physical systems which, in various embodiments of thepresent invention, make up parts of facilitating entity 110, creditentity 140, and processing system 150, as shown in FIG. 1. Facilitatingentity 110 may include a travel agent computer 910. Credit entity 140may further be include billing systems 950. Processing system 150 mayfurther be composed of back office computer 920, mainframe database 930,sequel server database 940, and accounting and information managementsystems 960. A travel agent will typically have a computer 910 formaking reservations and providing reservation and user profileinformation for further processing. For example, travel agent computer910 may pass this information to a “back office” computer 920. Backoffice computer provides information to a mainframe database 930 as wellas other accounting and information management systems. Mainframedatabase 930 provides relevant reservation information (filtered data)to sequel server database 940, which then combines that information withuser profile information to generate appropriate billing information,which can then be passed to billing systems 950 and accounting systems960.

Travel agent computer 910 may use a computer system that contains adatabase of travel arrangements. The databases of existing systems, alsoknown as Computer Reservation Systems (“CRS”) or Global DistributionSystems (“GDS”), in which travel arrangements are stored may be used inthis context. For example, companies such as Amadeus Global TravelDistribution, LLC, of Miami, Fla., Sabre, Galileo, and Worldspan eachrun a GDS. Other databases, such as those used by travel agencies with aWorld Wide Web presence such as Microsoft's Expedia site or Sabre'sTravelocity site, may also be accessed by an embodiment of the presentinvention. All of the foregoing known systems are hereby incorporated byreference. For more information on centralized registration systems,see, for example, U.S. Pat. No. 6,023,679, Pre- and post-ticketed travelreservation information management system; U.S. Pat. No. 5,948,040,Travel reservation information and planning system; U.S. Pat. No.5,842,176; Method and apparatus for interacting with a computerreservation system; U.S. Pat. No. 5,237,499, Computer travel planningsystem; U.S. Pat. No. 6,009,408, Automated processing of travel relatedexpenses; U.S. Pat. No. 6,122,642, System for propagating, retrievingand using transaction processing facility airline computerizedreservation system data on a relational database processing platform:and U.S. Pat. No. 5,897,620, Method and apparatus for the sale ofairline-specified flight tickets; the general functionality of allreferences is hereby incorporated by reference.

The database typically consists of a number of different fields that areformatted to contain specific information. The rows or records contain amemorialization of a reservation, with information in each of thefields. For example, a field in the database may be titledDATE_DEPARTURE and may contain information regarding the departure dateof each row in the database. A row in the database would indicate eachof the particulars of a reservation, for example, the name of thetraveler, a contact method, the departure time and place, and thearrival time and place. Each row corresponds to a Passenger Name Record(“PNR”) in the database. The PNR contains reservation informationincluding the type of ticket (electronic ticket, paper ticket, exchangeticket).

With reference now to FIG. 2, a general overview of the fee allocatorsystem is discussed. Initially, the travel office must go through aclient set up process 210 where computer programs and scripts and userprofiles are prepared for future use. In one embodiment, during ticketissuance/booking processes 215, flights are booked by the travel agencyfor a traveler 124 on an airline 130, invoices are printed, and the CRSsystem sends PNR data to a back office accounting system.

In an exemplary embodiment, the CRS system provides booking information,such as that included in the PNR, in the form of an accounting interfacerecord to a travel agency accounting system (step 250). These travelagency accounting systems are also known as back-office accountingsystems and one example of such a system is MAX used by AmericanExpress®. The accounting system may be associated with facilitatingentity 110 and may be a part of processing system 150. The accountingsystem may, among other things, forward all or some of this data to anAirline Reporting Corporation (ARC) system (step 270). The ARC processesthis information and bills the purchaser's credit account for theairline ticket (step 270).

The travel agency accounting system provides the PNR data to one or moredatabases and processes the data with an automated travel billing system(step 260). The automated travel billing system then may provideinformation to management information systems (step 280) and determineappropriate fees (step 290).

The fee allocator process can be understood in further detail withreference to FIGS. 7A-7C. An exemplary client setup process (step 210)may start when the clients (typically a travel agency and/or businesstraveler) are informed of the fee allocator product and agree to feebilling and other terms (step 702, FIG. 7A). Client profiles are updatedor created through the travel agency's central reservation system and inaccordance with these agreements (step 704). The client profiles may beupdated and provided to systems as described herein through use of‘scripts,’ which provide automated functions. As discussed above, avariety of fees can be established for different services, and multipleprofiles can be created for charging different fees to differentdivisions within a corporation. The client set up is reported out to aClient Financial Services system (step 708), which creates a clientprofile in the fee allocator (“FA”) system (step 710). Although this maybe a one-time setup process, the member profile information may bemodified from time to time as desired by the client.

In FIG. 7A, a typical ticket issuance sequence (step 215) is describedin accordance with one embodiment of the present invention. Facilitatingentity 110 may utilize a computer airline booking system, such as a CRSto facilitate finding an airplane flight suitable to individual 124 andarranging a travel reservation on that flight. For example, during theticket booking process, a travel agent creates a PNR (step 720) uponcustomer request to book a flight, issues a ticket (step 722), andprints a travel itinerary with the transaction fee printed on thetraveler's invoice/itinerary (step 724). The invoice/itinerary may showa message reminding the purchaser that the service fee has been chargedaccording to the customer's profile. In other embodiments, the step ofprinting paper tickets and invoices may be avoided by using, forexample, E-tickets. The transaction fee may be calculated based on theclient profile through the use of scripts. The PNR data may then beprovided to travel agency accounting system (step 728). The transactionfee may be captured in the DS2 field (e.g., fees for Ticket TRAX only)of the PNR and interfaced to the accounting program, thus avoiding theuse of some scripts.

In some embodiments, fees for non-CRS services are included in the PNRrecord associated with purchase of a ticket or similar CRS services, inother embodiments, fees for non-CRS services may be charged through theCRS system by appending the fees to a zero dollar invoice in the CRS.The zero dollar invoice can be sent out via the CRS as a carrier ofinformation needed to perform automated billing of fees. As an example,a fee may be charged for special services not offered through the CRSsystem such as emergency travel services. In this case, a script may beused to create a zero dollar invoice, which may be sent out through theCRS system. A script is a series of commands, which helps automate aprocess. The zero dollar invoice contains data that can be interpretedby the automated billing processes for determination of the appropriatefee(s) to be charged. These zero dollar invoices may also be used toprocess fees for manual/phone booked airline flights where the flight isbooked without going through the CRS, but the fee is charged through theCRS. In a further embodiment, the scripts may automatically create thesezero dollar invoices when non-CRS services are purchased. For example,when an agent processes a request for emergency travel services, ascript can cause a three digit term code to be provided in the remarksfield of a zero dollar invoice in the CRS system where the three digitterm code can later be interpreted to determine what kind of transactiontook place and therefore how much to charge.

With further reference to FIG. 7A, a ticket voiding process 729 mayinclude steps such as using scripts to code each voided ticket as eitherTravel agent requested or Customer requested (step 727). The void logPNR is electronically transferred to a back office accounting system ona periodic basis (step 725), and travel counselors inform travelers ofthe impact of voiding tickets under the Fee Allocator agreements (step723). Under appropriate circumstances, such as when the void isrequested by the travel agent, the fees charged by fee allocator wouldbe refunded (step 721) and this data passed to the back officeaccounting system.

With reference to FIGS. 7B and 7C, the daily fee allocation process 700is described in further detail. In an exemplary embodiment, the travelagency accounting system stores all or some of the PNR data from the CRSin a database, for example, on a mainframe computer (steps 728, 730, and731). The data in this database is filtered (step 732) such that onlyrelevant data is provided for automated billing to create an invoicefile. The mainframe also processes the PNR data to determine the type ofcredit card or account used and to supplement the database and filteredinvoice file with additional relevant information (step 733). This fileis then downloaded to a Sequel Server running the fee allocator system(step 734). It is noted here that processing system 150 may beconfigured such that the herein described processes are automaticallyexecuted on a periodic basis.

The invoice file is matched against periodically (for example, weekly)updated billing system profile data, received during step 710, to createa consolidated file that associates each invoice transaction with therelated information from the client's billing profile. The consolidatedfile is then used to automatically bill the appropriate fee to thepurchaser's credit account (through the steps described below). Duringthis process, the PNR information in the consolidated file, such as thetraveler's name, type of ticket, or travel service is recognized andused to determine an appropriate fee.

In one embodiment, the fee charged always corresponds to the feeindicated in the user's profile information that correlates to the typeof transaction indicated in the consolidated file. In this embodiment,all fees are programmed during the account set-up process. The fees arethen automatically charged when the invoice is driven through to MAX.MAX automatically reads the invoice for CRS services or reads the termcodes entered by the travel counselors using scripts for non-CRSservices. In another optional embodiment, the fee indicated in the D32field may be compared to the fee indicated by that user's profileinformation to validate the indicated fee, chose the lower of the two,or over-ride the indicated fee with the profile fee (step 735).

Fee allocator may also validate the form of payment (FOP) (step 736). Inthis step, the user profile is checked to see if the user wants to billthe fees to the same account used for the ticket or to an alternatelydesignated account. If agreed upon (noted in user profile), areconciliation fee and/or travel manager fees may be charged (step 737).Automatically determining the appropriate fees for billing may takeplace, for example, on a MS SQL Sequel Server database on a Windows NTplatform.

Next, credit entity 140 may authorize charges to their own accounts(step 750). For example, American Express products, including individualCorporate and Personal Cards, Corporate Purchasing Cards and centralbills, may be authorized through American Express' Card AuthorizationSystem (CAS), which will approve or decline the form of payment. Next,exception and rejection reports can be generated with reason codes andstored for example in a Lotus Notes database (step 738). These exceptionreports may be manually processed and reviewed for further action. Feedsare then sent to card systems (step 739 on FIGS. 7B and 740 on FIG. 7C)such as non-affiliate cards (step 741), affiliate non-corporate cards(step 742), and affiliate corporate cards (step 743). If the purchaser'suser profile indicates that the fees are to be charged to anon-affiliated credit entity, then the charges with the relevant ticketnumber or record locator number are delivered through a third-partyprocessor, such as Purchase Express, or Payment Link.

Feeds are also sent to accounting programs (step 744) and otherinformation systems for reporting (step 745). The system mayperiodically provide travel management information to accountingprograms, such as American Express's Global Information System (GIS),which produces reports for the travel agency. These reports may includesummaries of the number of types of services rendered, and the feescharged for those services. American Express' Client Financial Servicesmay also process a monthly settlement; which: (1) totals travel agencyservice fees that are due to American Express; (2) subtracts commissionsand overrides; (3) subtracts total transaction fees collected throughfee allocator; and (4) automatically charges any negative balance tobusiness accounts if applicable, or returns a positive balance to theclient via check or charge card credit.

The credit entity's own non-corporate card feed may be transferred topayment processing systems such as Regular Card Products, Optima, andTriumph (step 747). These systems perform the processing necessary togenerate personal billing statements. Although examples of severalbilling statements are provided herein, it is noted that fornon-affiliate cards and for non-corporate credit entity cards, thedescriptive information is generally more limited. For example, somenon-affiliate billing programs limit the description line to 17characters. Other non-corporate billing processing limits thedescription to two lines of information. Enhanced descriptive billinginformation can be provided for some billing products. For example, feesto be charged to corporate card accounts are directed through theCorporate Accounts Receivable System (CARS), which manages accountingtasks and provides information to a number of corporate billing accounts(step 748). For example, CARS provides fee billing information tocentral bill statement programs (step 752) shown in further detail onFIG. 88. CARS also provides information to other custom billing andreconciliation systems (steps 749 and 751).

FIG. 8A through 8E show application architecture block diagrams showingmore detail on an exemplary system including the fee allocator system.Selected steps conform to those steps illustrated in FIGS. 7A-C. Withreference now to FIG. 8A, in one embodiment, the process ofautomatically calculating fees (step 810) occurs on a Sequel Server,which compares invoice information from PNR data to user profileinformation to match up the correct fees to the transactions. Thisprocess may also include the optional ticket data over-ride (step 735,FIG. 7B). These steps are more fully discussed above.

The mainframe processing may identify PNR level transactions andidentify if this PNR data is the first occurrence for that trip, or asubsequent occurrence on the same PNR record. Step 805, FIG. 8A. In thisway, the fee allocator can later process fees for each transaction, oron a per trip basis, depending on the user profile selections.

While processing for Non-affiliate cards may proceed from step 810 tostep 735, processing for affiliate cards may temporarily divert to step750 where the authorization is first checked to make sure that the feescan be charged to the chosen account. Downstream feeds are provided to anumber of applications and databases shown at reference number 815 onFIG. 8C, such as the following American Express applications: TicketTRAX, Purchase Express, JEAPPS, CAP, Client Payment System (CPS) Legacy,and a Lotus Notes Database. These downstream feeds provide fee allocatorinformation in the appropriate format to these accounting applicationsand databases.

With reference to FIG. 88, for personal card billing affiliated withcredit entity 140, data may be provided to an accounting system, such asAmerican Express' Fincap 501/00 (step 742), which processes the fees andassists in preparing billing statements (step 747). For corporate cardbilling affiliated with credit entity 140, data may be provided to anaccounting system, such as American Express' Fincap 301/41 (step 743),which provides a “back-door” entry for passing in Fee Allocator datainto the Corporate Accounts Receivable System (CARS) (step 748). Throughthis “back door”, the enhanced descriptive billing information can bepassed to provide, in one embodiment, 3 lines of 42 characters each ofbilling data. CARS processes data processes the fees and assists inpreparing billing statements (step 747).

CARS provides down stream feeds for electronic statement clients,reconciliation systems, automated expense-reporting tools, other custombuffing systems, and management information systems. These feeds and therelated system are identified as 820. CARS also provides fee allocatordata processing such that sub-systems can generate various billingstatements that correctly incorporate the fee allocator fees into theunique presentation of the individual billing statements. The variety inthese billing statements is exemplified by American Express statementssuch as Enhanced Country Club Billing (CCB) 830, Business TravelAccounts (BTA) 832, Airline Central Billing (ACB) 834, Airline CentralCredit Billing Fanfold (ACCB) 836, and Airline Billing Account (ABA)838. In each of these billing statement types, the fee allocator fee isrecognized and classified in the appropriate place as discussed in moredetail below.

A bridge from the back office accounting system 730 (FIG. 8A) provideseven more data on the ABA, which may be merged with data provided byCARS 748 in step 840 on FIG. 8B to provide enhanced billing detail asdescribed below. The ABA product may, for example be available toAmerican Express Travel and Card clients. FIGS. 8D & 8E show a furtherexemplary embodiment from an application architecture perspective wherecorresponding architecture has been identified with reference numbersfrom previous steps in other figures.

In one example, the fees may be charged daily or on the Friday of thenext week, per the client's request. For weekly processing, there may bea 7-14 day difference between the date of the airline ticket charge andthe date of the transaction fee charge. The fees charged by facilitatingentity 110 may be counted towards a client's incentive program, frequentflier miles, reward points, and similar programs, as discussed above.The fee allocator system can bill to all accounts, or may be limited towork with only certain designated accounts.

When these fees are charged, reconciliation information is sent to thecredit account. In one embodiment, the reconciliation information can beprinted on the bills. In another embodiment, the fees and the travelrelated expenses can be sorted and grouped together on a reportfacilitating reconciliation of large numbers of fees and relatedexpenses. This reconciliation information may include, for example, theticket number, record locator, or date of the flight. More or lessinformation may be provided as appropriate, as discussed below withreference to several example-billing statements.

For example, FIG. 3 shows an Enhanced Country Club Billing AmericanExpress Corporate Card Statement. For each transaction, a descriptivefee identifier (i.e. AMERICAN EXPRESS PAPER TICKET FEE, AMERICAN EXPRESSE-TICKET FEE, AMERICAN EXPRESS INTERACTIVE TICKET FEE, AMERICAN EXPRESSTICKET EXCHANGE FEE, AMERICAN EXPRESS TICKET REFUND FEE) 322, the13-digit ticket number 324, passenger name 326, invoice date 328,routing 330 and transaction amount 332 are provided. Lines 310 and 320show examples of two transactions displaying such information. In otherembodiments, the routing 330 and invoice date 328 are not shown. Totalnew charges 340 are shown including the transaction fees amount 332.

FIGS. 4A and 4B show a portion of an Airline Billing Account (ABA)statement. In FIG. 4A, a summary page shows new charges 410 whichinclude the transaction fees. In FIG. 4B, transaction fee 420 for theairline/rail tickets appears on the ABA statement. The transaction feesmatch to the reservation data and print all availabletransactional-level information; a descriptive transaction feeidentifier (i.e. AMERICAN EXPRESS PAPER TICKET FEE, AMERICAN EXPRESSE-TICKET FEE, AMERICAN EXPRESS INTERACTIVE TICKET FEE, AMERICAN EXPRESSTICKET EXCHANGE FEE, AMERICAN EXPRESS TICKET REFUND FEE) 444, passengername 446, routing 442, class 448, airline code 450, departure date 452,invoice number 454, invoice date 455, ticket number 456, AmericanExpress reference number 458, and transaction fee amount 420. In thisembodiment, all related ticket charges and/or refunds and theircorresponding transaction fees sort together so long as they arereceived in the same billing cycle (see reference 430). Each linerepresents a transaction 440.

In another embodiment, FIG. 5 shows a Business Travel Account (BTA). TheBTA is similar to the ABA discussed with reference to FIGS. 4A and 4B,however, the BTA product does not produce a fully reconciled statement.Instead, a tape or diskette of the company's billing monthlytransactions is sent to the travel agency to match the reservation datawith the billing data. The transaction fee(s) appear on the BTAstatement within the “ALL OTHER TRANSACTIONS DETAIL SECTION” 510. Hereas in the previous examples, similar descriptive information is providedfor each transaction (see 520 and 530). The transaction fees are totaledfor each individual 540, and are collectively totaled on a separatesection not shown.

A further embodiment, not shown, is an Airline Central Billing Diversionaccount statement. These are similar to the ABA and BTA discussed above,however, the diversion accounts are designed to be used in conjunctionwith American Express Corporate Cards and to charge the flight to theindividual's Corporate Card and the fee to a central statement that goesto the individual's corporation. A large variety of fee types can bediverted, such as airline and rail fees and credits, car rental fees,card fees, and cash fees. Therefore, the individual Cardmember receivesa bill similar to that shown in FIG. 3. The ticket charge may be shown,and the fee information may also be shown, but the fee amount has beendiverted and may show as $0.00 indicating that the Cardmember is notresponsible for that fee. The individual's corporation also receives astatement similar to those discussed above with reference to FIGS. 4 and5, and the corporation is responsible for the fees diverted to it. On anACCB, fee allocator fees related to refunded tickets can beautomatically credited to a central billing account if desired.

To the extent that collaboration exists (i.e. they are affiliates, orowned by the same company) between the entity using the fee allocatorprogram and the credit entity, it is possible to provide enhanceddescriptive billing statements which are able to display morereconciliation information and to display such information in alternateformats. With regard to the creation of enhanced descriptive billingstatements, the reconciliation information is provided to a billingsystem, which interprets the information, and then generates an enhancedbilling statements such as the ABA discussed above.

To the extent that no collaboration exists between the entity using feeallocator and the credit entity, a more limited amount of reconciliationinformation can still be provided on the purchaser's billing statement.In this second embodiment, the charges for fees and reconciliationinformation may be sent out through Purchase Express, however, thereconciliation information may be restricted, for example, to 23characters which might include any of the information discussed herein.In this embodiment, the recipient of the bill for the fees may be ableto reconcile the fees to the travel related charge because included inthe charge description line is the ticket number, record locator, dateof the flight, or other such identifying data. FIGS. 6A-6C showexemplary itineraries with similar information as described above withregards to FIGS. 3 and 4, and showing a message 600 which in one examplereads, “as per our agreement with your company you have been charged anon-refundable travel service fee of $XX.00. A travel service fee of$XX.00 will be charged for refunded tickets . . . . ”

In another embodiment, a user can select an alternate billing display,such as with a partial enhanced descriptive billing statement or noenhanced descriptive billing statement, and the fee allocator system canbe configured to provide less information for the billing statements,if, for example, a purchaser does not want to pay for the enhancedbilling feature. In this embodiment, purchasing entity 120 does not getan enhanced descriptive billing statement, but does get billing anditinerary information facilitating reconciliation of fees with relatedservice prices. Nevertheless, even a traveler using a non-affiliatedcredit entity can establish multiple accounts such that the fees arebilled to the correct cost center, thus reducing the time and effort ofmanually redistributing those fees to specific corporate accounts.

By automatically and individually billing each fee to a traveler'scredit account, lumped fee billing is avoided or minimized without anyadditional travel consultant intervention. Also, if requested in theuser profile, fees may be automatically split between separate creditaccounts without any additional travel counselor intervention. Forexample, a traveler may wish for half of the fee associated with a planeflight to be charged to his own account and half to be charged to acorporate travel account. Furthermore, it is possible to configure auser profile such that fees are charged to one credit account and theprice of the ticket is charged to another account.

The automatic fee allocation process reduces the time consuming manualefforts of travel counselors at travel agencies involved with separatelygenerating much of the PNR data, coordinating fee billing with clientpreferences, and manually billing the fees. The fee allocator programincludes the flexibility for meeting client's billing and costallocation process needs, streamlining administrative tasks, andreducing the number of service calls because the simplified expensereconciliation reporting mechanism causes less confusion.

In the prior art, a facilitating entity typically sent a bill to apurchasing entity on a monthly or quarterly basis, for example, andwaited to receive payment back from purchasing entity 120, in thepresent invention, however, facilitating entity 110 may charge the feeto an account (“credit card”) with credit entity 140. Thus, facilitatingentity 110 no longer bears the risk of loss due to non-payment nor bearsthe loss of interest that could have been earned on that amount ofmoney. Facilitating entity 110 is therefore able to enjoy an improvedcash flow by replacing the quarterly settlement systems often used inthe prior art with monthly payment. Unlike the airlines that have towait for ARC validation of the charges they process, in an exemplaryembodiment, the fee allocator system is not duplicative of another feebeing charged and thus can readily process the fees.

In the foregoing specification, the invention has been described withreference to specific embodiments. However, it will be appreciated thatvarious modifications and changes can be made without departing from thescope of the present invention as set forth in the claims below. Thespecification and figures are to be regarded in an illustrative manner,rather than a restrictive one, and all such modifications are intendedto be included within the scope of present invention. Accordingly, thescope of the invention should be determined by the appended claims andtheir legal equivalents, rather than by the examples given above. Forexample, the steps recited in any of the method or process claims may beexecuted in any order and are not limited to the order presented in theclaims.

Benefits, other advantages, and solutions to problems have beendescribed above with regard to specific embodiments. However, thebenefits, advantages, solutions to problems, and any element(s) that maycause any benefit, advantage, or solution to occur or become morepronounced are not to be construed as critical, required, or essentialfeatures or elements of any or all the claims. As used herein, the terms“comprises”, “comprising”, or any other variation thereof, are intendedto cover a non-exclusive inclusion, such that a process, method,article, or apparatus that comprises a list of elements does not includeonly those elements but may include other elements not expressly listedor inherent to such process, method, article, or apparatus. Further, noelement described herein is required for the practice of the inventionunless expressly described as “essential” or “critical”.

1. A method comprising: conducting, by a fee allocation computer-basedsystem, a single transaction which results in a single transaction cost,wherein allocation information defines an agency fee with a firstbilling account and said single transaction cost with a second billingaccount, and wherein said agency fee is charged to said first billingaccount and said single transaction cost is charged to said secondbilling account, according to said allocation information; andreceiving, by said computer-based system, said account billing statementincluding said first billing account with said agency fee and saidsecond billing account with said single transaction cost.
 2. The methodof claim 1, wherein said conducting said single transaction comprisesconducting a single travel-related transaction.
 3. The method of claim1, wherein the single transaction is with a merchant.
 4. The method ofclaim 1, wherein the single transaction is associated with an item. 5.The method of claim 1, wherein said agency fee is identified based onsaid single transaction.
 6. The method of claim 1, wherein said agencyfee is charged for administrative assistance associated with said singletransaction by an agency.
 7. The method of claim 1, wherein a userprofile comprises said allocation information.
 8. The method of claim 1,wherein at least a portion of a Passenger Name Record is acquired fromat least one of a computer reservation system or a travel reservationsystem.
 9. The method of claim 1, wherein said account billing statementcomprises fee reconciling information.
 10. The method of claim 1,wherein a credit entity receives fee reconciling information.
 11. Themethod of claim 1, wherein said agency fee is further identified bycomparing at least a portion of a Passenger Name Record to informationin said user profile.
 12. The method of claim 1, wherein said agency feerepresents an extra charge related to said single transaction inaddition to said single transaction cost.
 13. The method of claim 1,wherein said single transaction cost represents charges associated witha single travel-related transaction.
 14. The method of claim 1, whereinat least a portion of said agency fee includes loyalty points.
 15. Themethod of claim 1, wherein at least a portion of said single transactioncost includes loyalty points.
 16. The method of claim 1, wherein atleast one of said first billing account or said second billing accountcomprises a plurality of billing accounts.
 17. The method of claim 1,wherein at least one of said agency fee or said single transaction costis reduced, in response to said single transaction being in accordancewith predefined rules.
 18. A method comprising: identifying, by a feeallocation computer-based system, an agency fee for a single transactionwhich results in a single transaction cost, wherein allocationinformation defines said agency fee with a corresponding first billingaccount and said single transaction cost with a corresponding secondbilling account; charging, by said computer-based system, said agencyfee to said first billing account, according to said allocationinformation; charging, by said computer-based system, said singletransaction cost to said second billing account, according to saidallocation information; and creating, by said computer-based system,said account billing statement including said first billing account withsaid agency fee and said second billing account with said singletransaction cost.
 19. The method of claim 18, further comprisingreducing at least one of said agency fee or said single transactioncost, in response to said single transaction being in accordance withpredefined rules.
 20. A non-transitory memory and a data structurestored in said memory marshaled in an extensible mark-up language (XML)format to create an electronic account billing statement comprising: afirst field including indicia of an agency fee associated with a firstbilling account, wherein allocation information defines said agency feewith said first billing account and a single transaction cost with asecond billing account, and wherein said agency fee is charged to saidfirst billing account and said single transaction cost is charged tosaid second billing account, according to said allocation information; asecond field including indicia of said single transaction costassociated with said second billing account; and a third field includingindicia of a reconciliation of said agency fee with an associated saidsingle transaction cost.